Kotak Indigo Ka-Ching 6E Rewards Credit Card Review

After collaborating with HDFC Bank in 2020, Indigo Airlines has now joined hands with Kotak Mahindra Bank to launch two credit cards- Kotak IndiGo Ka-ching 6E Rewards and Kotak IndiGo Ka-ching 6E Rewards XL. Best suited for Indigo loyalists, these cards help you earn generous rewards on your flight ticket bookings and avail privileges like priority check-in, complimentary meal, and more. So, how does the Kotak IndiGo Ka-ching 6E Rewards fare against other popular travel cards in the market. Let’s find out in this detailed review of the Kotak 6E Rewards Card’s base variant.

Click here to read the review of Kotak IndiGo Ka-ching 6E Rewards XL Credit Card

IndiGo Airline Ticket as Welcome Gift

As the welcome benefit, you will get an IndiGo Airline ticket worth Rs. 1,500. Not only this, you will also get welcome gift vouchers from partner brands across multiple categories. Following are the current welcome vouchers:

• Rs. 1,000 Accor Dining voucher
• 30% off on Accor Stay, subject to minimum 1 and maximum 3 night stay
• Rs. 250 voucher from Budweiser
• Free trial for 30 days on Lionsgate Play

Note: Welcome benefits can be availed only by the members and their nominees post annual fee realization and are valid for 6 months from the date of issuance. Complimentary IndiGo air tickets will be available for redemption towards base fare post 3 transactions every month for the first 3 calendar months.

At an annual fee of Rs. 750 only, the welcome benefits are more than satisfactory. You are getting an Indigo Airline ticket that is worth double the annual fee paid. So, even if you are not able to fully utilize the other vouchers that they are offering, it will still be a good deal for you.

6E Reward Points

On this card, Kotak Mahindra Bank is offering 6E Rewards which are specific to Indigo Airlines and can be redeemed only on Indigo’s official website. However, the earning potential is good, along with accelerated rewards on some very practical categories like grocery and dining.

• 3% rewards on IndiGo spends
• 2% rewards on merchant spends including dining, entertainment, grocery
• 1% rewards on all other category spend excluding wallets

About IndiGo’s 6E Rewards Program

It is imperative that you must also know about IndiGo’s 6E rewards program. It is partnered with India’s leading banks to offer a plethora of privileges via its ‘Kaching credit cards’. The vision behind launching this card is basically to provide a richer travel experience and engagement with varied benefits and unmatched rewards. You can earn accelerated 6E Rewards on IndiGo transactions, grocery, entertainment and also earn additional 10-15% 6E Rewards on dining, shopping, transport, the medical bill spends with feature partners.

Travel Benefits with Indigo Airlines

Kotak Indigo Ka-ching 6E Rewards Credit Card offers its users the 6E Prime status which comes with additional benefits worth Rs. 899- 

• Get access to priority check-in benefits
• Enjoy fast and convenient baggage assistance
• You get one free meal during your flight
• You can select a seat of your choice

Apart from the reward points and add-on prime privileges, you can also avail discounted convenience fee of Rs. 150 per person on IndiGo tickets.

Also Read: Best Travel Credit Cards 2022

Limitations of Kotak Indigo Ka-Ching 6E Rewards Card 

You must also go through some of the limitations of Kotak Indigo 6E Ka-Ching Card:

• Reward rate is low- For a card with co-branded travel features, the reward rate is satisfactory but as a card with overall travel value-back, the rates could have been better.
• No complimentary airport lounge access- Being a travel credit card, no airport lounge access is a disappointment.
• No benefits on fuel transactions- Even the most basic cards nowadays come with fuel surcharge waiver, so missing out on this useful feature is another setback for this card.

Who Should Get this Card?

Kotak Indigo Ka-ching 6E Rewards Credit Card is a suitable option for people who travel frequently and are loyal customers of IndiGo. This base variant comes with an annual fee as low as Rs. 700, which is among the lowest fee offered on co-branded travel credit cards. The reward model on the card is also satisfactory as the users will be able to earn higher points on certain categories and, at the end, redeem them to avail discounted air tickets with Indigo.

However, if you are a frequent traveller but not loyal to IndiGo, this card may not be the right choice for you. In that case, you should look for travel cards that offer value back on all kinds of travel expenses, not just with a partner airline.

Also, if you are looking for better benefits with Indigo, we would suggest the premium variant of this card- Kotak Indigo Ka-Ching 6E Rewards XL, as it comes with better rewards and the fee is also not too high.

Alternate Credit Cards You Can Apply For

Suggested Read: Best Co-Branded Credit Cards in India